2014 Ford E-Series Wagon Insurance Cost

I can’t think of anyone who enjoys paying for auto insurance, in particular when they are paying too much.

Insurance companies such as GEICO, 21st Century and Progressive all claim big savings with ads and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s a good habit to check auto insurance prices yearly due to the fact that insurance rates fluctuate regularly. Just because you had the best rates for E-Series Wagon coverage last year you can probably find a better price now. So just forget all the misinformation about auto insurance because I’m going to teach you the best way to save on auto insurance.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Finding the best rates is easy if you know what you’re doing. Although consumers do need to learn how companies market on the web and apply this information to your search.

The quickest way to compare car insurance company rates utilizes the fact almost all companies actually pay money for the chance to quote your coverage. The one thing you need to do is provide a small amount of information like if a SR-22 is required, the make and model of your vehicles, whether you are single or married, and your credit rating estimate. Your rating data is instantly sent to many different companies and they return rate quotes almost instantly.

To get price quotes for your 2014 Ford E-Series Wagon, click here and enter the information requested.

What determines your Ford E-Series Wagon insurance premium

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with lower car insurance prices.

  • Do you work long hours in a high stress job? – Did you know your job can affect your rates? Occupations like doctors, social workers and accountants tend to pay higher rates than average in part from high stress and long work hours. On the flip side, professions such as pilots, athletes and performers have the lowest average rates for E-Series Wagon coverage.
  • Marriage pays dividends – Being married actually saves money on car insurance. Having a spouse usually means you are more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Mature drivers pay less – Teen drivers have a tendency to be more careless behind the wheel so car insurance rates are higher. Having to add a young driver to your car insurance policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
  • High credit ratings translate to low rates – Credit history is a big factor in determining what you pay for car insurance. If your credit score is not that good, you could save money insuring your 2014 Ford E-Series Wagon by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores.
  • High numbers of claims are not good – Companies provide better rates to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. A few examples of covered claims are colliding with a building, collision with an animal, or theft. Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more you have to pay, the less your car insurance will be for E-Series Wagon coverage.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. However, don’t assume that women are better drivers. They both tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving.

Companies offer discounts so take them!

Companies offering auto insurance don’t list all their discounts very clearly, so we researched both the well known and the more hidden savings tricks you should be using.

  • Homeowners Pay Less – Simply owning a home may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • No Claims – Drivers with accident-free driving histories pay less when compared to frequent claim filers.
  • Good Student Discount – Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.
  • Sign Online – Certain companies give back up to $50 for buying your policy over the internet.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.

It’s important to note that some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

Companies who might offer these discounts may include but are not limited to:

Double check with each company which discounts they offer. All car insurance discounts may not apply in every state.

Do I just need basic coverages?

When buying proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • When would I need rental car insurance?
  • Is my 2014 Ford E-Series Wagon covered for flood damage?
  • Does coverage extend to a rental car in a foreign country?
  • Does my policy cover my teen driver if they drive my company car?
  • Does having multiple vehicles earn me a discount?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Specific coverages for a Ford E-Series Wagon

Learning about specific coverages of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills such as EMT expenses, pain medications, funeral costs, nursing services and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford E-Series Wagon.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as funeral expenses, legal defense fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage covers damage to your E-Series Wagon resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, scraping a guard rail, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Money doesn’t grow on trees

In this article, we covered a lot of ways to save on 2014 Ford E-Series Wagon insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with the least-expected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

When you buy insurance online, never skimp on critical coverages to save a buck or two. In many instances, someone dropped uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your strategy should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

For more information, feel free to browse the articles below: